Trauma Cover provides a lump sum of up to $2 million in the event that your client suffers from a specific medical condition or event, regardless of whether they are prevented from working or not. It pays out a benefit not because they are going to die, but because they are going to live.

Trauma Cover gives your clients the opportunity to create real options in a traumatic time.  It can make a contribution towards financial survival by providing a benefit payment which your client may use to address a financial shortfall resulting from a period of serious illness.

Trauma Cover is available as a stand-alone policy or combined with a Life Care and/or TPD policy. 

Important information regarding the PDS

Trauma cover conditions have specific meanings and a benefit is only payable if you meet the precise meaning of the definition as set out in the CommInsure Protection Product Disclosure Statement (PDS).

You must read the entire PDS including the medical definitions section of that document.

Claims testimonial: Susie’s story 

Trauma cover features and benefits


At a glance

  • The Trauma Cover that can be purchased: 
    • Minimum: $10,000 
    • Maximum: $2 million but cannot exceed the Life Care sum insured
  • Stepped premium type:
    • Minimum entry age 15
    • Maximum entry age 65
  • Level premium type:
    • Minimum entry age 17
    • Maximum entry age 54
  • Cover expiry date will be the policy anniversary date before the insured’s 80th birthday and changes to Loss of Independent Existence only at policy anniversary before the insured’s 70th birthday.

Key benefits

  • Severe Hardship Booster benefit: doubles the lump sum we pay you (up to $250,000) if the life insured suffers trauma from certain serious trauma conditions
  • Loyalty Bonus benefit: after 5 years of cover, we automatically increase Trauma Cover payment benefit by 5% at no extra cost
  • Trauma Buy Back: if a trauma claim reduces your client’s cover to less than $10,000 we will automatically reinstate that cover one year after the claim was paid
  • Financial Planning benefit: pays up to $5,000 to help cover the costs of seeking financial advice if we pay a Trauma Cover benefit
  • Accommodation benefit: if the life insured is confined to bed due to a trauma a long way from home, this helps cover accommodation costs for an immediate family member who needs to be nearby.


Download the PDS for full list of benefits >


When is a benefit paid?

Pays out a one-off lump sum of up to $2 million if your client suffers from a specified medical condition and survives more than 14 days, regardless of whether they are prevented from working or not. For certain medical conditions or events, a partial payment of the benefit will be made.

Case study

Brian is a 48 year old accountant, who is married with two teenage children.  He put in place a financial plan with his financial adviser which included Trauma Cover. 

Just as well for him and his family that he did because one evening he had to be rushed to hospital and was later diagnosed  as having had a stroke. 

CommInsure paid Brian’s $627,000 Trauma benefit which helped cover his hospital costs and other ongoing medical expenses, including intensive rehabilitation to improve his physical and cognitive functioning. 

Rob - Life Care case study